Get actionable insights into consumer behavior with Consumer Insights in Kount 360. Integrate to gain access to the REST API endpoint, view your account in the portal, manage users, and more.
Go to Consumer Insights to view the swagger documentation.
Note
Go to Consumer Insights v1.0 Integration Guide if you are using V1 of the Consumer Insights API.
In Kount 360, after you have activated your organization, you can generate API keys to send data securely to Equifax. Only users with the Owner role permissions can generate, delete, or edit API keys.
Caution
You must have an initialized client before you can create an API key.
-
Sign in to Kount 360.
There are two integration environments: sandbox and production. Only integrate into our sandbox environment if you are integrating a pre-production environment without production data for testing.
-
Select Admin, and then Product Configuration.
-
In System Settings, select API Keys.
All initialized clients display.
-
For the client you want to create an API key, select Generate API Key.
The new API key is generated. A prompt displays with the ability to copy the API key and add a description.
-
Copy the API key, and then store it in a secure location.
Note
The API key is not provided again. You must store it in a secure location for future reference. If the API key is compromised or lost, create a new API key and delete the compromised one.
-
Enter a description detailing the store used for the API key, and then select Confirm.
API keys are organized under each client on the API Keys page. Expand the client to view your API keys, the descriptions, and when client details were created.
After you have provisioned your API credentials in the portal, retrieve a temporary bearer token to authenticate calls to the Kount 360 API. Provide the API key in an HTTP POST to a specific login.equifax.com URL.
With a successful exchange, the returned JSON provides a special bearer token, which is the access_token property. The exchange also provides an expiration date, the expires_in property, provided in seconds until expiration. The API to retrieve the bearer token depends on if you are calling the sandbox or production environment.
The values are:
Sandbox
Auth Server URL:
https://login-uat.equifax.com/as/token
API Service Host:
https://api-sandbox.kount.com
Production
Auth Server URL:
https://login.equifax.com/as/token
API Service Host:
https://api.kount.com
After obtaining the bearer token, use it to authenticate requests to the Kount 360 API. Include the token in the Authorization header of your HTTP API request, prefixed with Bearer {bearer token}.
To prevent authentication issues, refresh the token before it expires. Tokens issued by login.equifax.com expire after 20 minutes, but client credentials remain valid unless revoked. Minimize calls to the /token endpoint by implementing token expiration handling in your customer applications. Always check if a token has expired before requesting a new one, as excessive calls to the /token endpoint could result in rate limiting.
sidebar. Python Example
import requests
AUTH_SERVER_URL = "https://login-uat.equifax.com/as/token"
API_URL = "https://api-sandbox.kount.com"
API_KEY = "<Your client credentials here!>"
CLIENT_ID = "< Your client ID here!>"
r = requests.post(AUTH_SERVER_URL,
params={"grant_type": "client_credentials",
"scope": "k1_integration_api"},
headers={"Authorization": "Basic" + API_KEY,
"Content-Type":
"application/x-www-form-urlencoded"})
t = r.json()["access_token"]
r = requests.post(API_URL + "/identity/evaluate/v2",
headers={'Authorization': "Bearer " + t},
json={
"clientId": CLIENT_ID,
"useCase": "fraudInsights,payerInsights,walletInsights,inputValidation",
"nameAddresses": [
{
"fullName": "John Doe",
"address": {
"line1": "1005 Main St",
"city": "Boise",
"region": "Idaho",
"postalCode": "83702",
"countryCode": "US"
}
}
],
"deviceIds": ["0123456789ABCDEF0000000000000000"],
"emailAddresses": ["john.doe@kount.com"],
"phoneNumbers": ["2088675309"],
"payments": [
{
"token": "18FB243D592080466E71AC51C4F4DE93041DFEA4800DE05FCC3CA0E29F45A63E",
"type": "CARD"
}
]
})
print("Response:", r.json())
sidebar. Bash Example
#!/usr/bin/env bash
API='https://api-sandbox.kount.com'
ISSUER='https://login-uat.equifax.com/as/token'
CLIENT_ID='<Your client ID here!>'
API_KEY='<Your client credentials here!>'
# Get our token (it is valid for 20 minutes)
RESPONSE=$(curl -s -X POST "${ISSUER}/v1/token?grant_type=client_credentials&scope=k1_integration_api" -H "Authorization: Basic ${API_KEY}" -H "Content-Type: application/x-www-form-urlencoded")
TOKEN=$(echo $RESPONSE | jq -r .access_token)
# Make our evaluation request
REQUEST_DATA="{ \"clientId\": \"$CLIENT_ID\", \"useCase\": \"fraudInsights,payerInsights,walletInsights,inputValidation\", \"nameAddresses\": [{ \"fullName\": \"John Doe\", \"address\": { \"line1\": \"1005 Main St\", \"city\": \"Boise\", \"region\": \"Idaho\", \"postalCode\": \"83713\", \"countryCode\": \"US\" } }], \"deviceIds\": [\"0123456789ABCDEF0000000000000000\"], \"emailAddresses\": [\"john.doe@kount.com\"], \"phoneNumbers\": [\"2088675309\"], \"payments\": [{ \"token\": \"18FB243D592080466E71AC51C4F4DE93041DFEA4800DE05FCC3CA0E29F45A63E\", \"type\": \"CARD\" }] }"
RESPONSE=$(curl -s -X POST ${API}/identity/evaluate/v2 -H "Authorization: Bearer ${TOKEN}" -d "$REQUEST_DATA")
echo "$RESPONSE" | jq
sidebar. TypeScript Example
const axios = require('axios')
const API = 'https://api-sandbox.kount.com'
const ISSUER = 'https://login-uat.equifax.com/as/token'
const CLIENT_ID = '<Your client ID here!>'
const API_KEY = '<Your API Key here!>'
async function getBearerToken() {
const auth = await axios({
url: `${ISSUER}/v1/token`,
method: 'post',
headers: {
'authorization': `Basic ${API_KEY}`,
'Content-Type': 'application/x-www-form-urlencoded'
},
params: {
'grant_type': 'client_credentials',
'scope': 'k1_integration_api'
}
})
return auth.data.access_token
}
async function evaluateIdentity(token: string) {
const resp = await axios({
url: `${API}/identity/evaluate/v2`,
method: 'post',
headers: {
authorization: `Bearer ${token}`,
},
data: {
clientId: CLIENT_ID,
useCase: "fraudInsights,payerInsights,walletInsights,inputValidation",
nameAddresses: [
{
fullName: "John Doe",
address: {
line1: "1005 Main St",
city: "Boise",
region: "Idaho",
postalCode: "83713",
countryCode: "US"
}
}
],
deviceIds: ["0123456789ABCDEF0000000000000000"],
emailAddresses: ["john.doe@kount.com"],
phoneNumbers: ["2088675309"],
payments: [
{
token: "18FB243D592080466E71AC51C4F4DE93041DFEA4800DE05FCC3CA0E29F45A63E",
type: "CARD"
}
]
}
})
return resp.data
}
const main = async () => {
const token = await getBearerToken();
const resp = await evaluateIdentity(token);
console.log(JSON.stringify(resp, null, 4))
}
main()
sidebar. Go Example
package main
import (
"bytes"
"encoding/json"
"fmt"
"io"
"net/http"
)
type config struct {
API string
Issuer string
ClientId string
APIKey string
}
func getToken(c *http.Client, issuer, creds string) string {
req, _ := http.NewRequest(http.MethodPost, issuer+"/v1/token", nil)
req.Header.Add("Authorization", "Basic "+creds)
req.Header.Add("Content-Type", "application/x-www-form-urlencoded")
q := req.URL.Query()
q.Add("grant_type", "client_credentials")
q.Add("scope", "k1_integration_api")
req.URL.RawQuery = q.Encode()
resp, _ := c.Do(req)
defer resp.Body.Close()
t := struct {
TokenType string `json:"token_type"`
ExpiresIn int `json:"expires_in"`
AccessToken string `json:"access_token"`
}{}
json.NewDecoder(resp.Body).Decode(&t)
return t.AccessToken
}
func evaluate(c *http.Client, api string, payload IdentityEvalRequest, token string) string {
j, _ := json.Marshal(payload)
req, _ := http.NewRequest(http.MethodPost, api+"/identity/evaluate/v2", bytes.NewBuffer(j))
req.Header.Add("Authorization", "Bearer "+token)
resp, _ := c.Do(req)
defer resp.Body.Close()
b, _ := io.ReadAll(resp.Body)
s := string(b)
return s
}
type IdentityEvalRequest struct {
ClientId string `json:"clientId"`
UseCase string `json:"useCase"`
NameAddresses []NameAddress `json:"nameAddresses"`
DeviceIds []string `json:"deviceIds"`
EmailAddresses []string `json:"emailAddresses"`
PhoneNumbers []string `json:"phoneNumbers"`
Payments []Payment `json:"payments"`
}
type NameAddress struct {
FullName string `json:"fullName"`
Address Address `json:"address"`
}
type Address struct {
Line1 string `json:"line1"`
Line2 string `json:"line2"`
City string `json:"city"`
Region string `json:"region"`
CountryCode string `json:"countryCode"`
PostalCode string `json:"postalCode"`
}
type Payment struct {
Token string `json:"token"`
Type string `json:"type"`
}
func main() {
config := config{
API: "https://api-sandbox.kount.com",
Issuer: "https://login-uat.equifax.com/as/token",
ClientId: "<Your client ID here!>",
APIKey: "<Your client credentials here!>",
}
client := &http.Client{}
token := getToken(client, config.Issuer, config.APIKey)
payload := IdentityEvalRequest{
ClientId: config.ClientId,
UseCase: "fraudInsights,payerInsights,walletInsights,inputValidation",
NameAddresses: []NameAddress{
{
FullName: "John Doe",
Address: Address{
Line1: "1005 Main St",
Line2: "",
City: "Boise",
Region: "ID",
CountryCode: "US",
PostalCode: "83702",
},
},
},
EmailAddresses: []string{"john.doe@kount.com"},
PhoneNumbers: []string{"2088675309"},
Payments: []Payment{
{
Token: "18FB243D592080466E71AC51C4F4DE93041DFEA4800DE05FCC3CA0E29F45A63E",
Type: "CARD",
},
},
}
resp := evaluate(client, config.API, payload, token)
fmt.Printf("%s\n", resp)
}
Endpoints:
Sandbox
api-sandbox.kount.com/identity/evaluate/v2
Production
api.kount.com/identity/evaluate/v2
Method: POST
Header Authorization: Bearer <token>
Header Content-Type: application/json
sidebar. Standard Request Data Elements Table
|
JSON Path |
Field Name |
Parameters |
Description |
Required/Optional |
|
clientId |
Client ID |
string ^[a-zA-Z0-9]{1,64}$ |
Equifax's unique identifier for a client. |
Required |
|
useCase |
Use Case |
string |
Use Case determines the response payload. Can be any comma-separated combination of the following enums:
|
Required |
|
deviceIds |
Device IDs |
string (deviceId) ^[\w-]{0,64}$ |
Device identifiers. |
Optional |
|
phoneNumbers |
Phone Numbers |
string (phoneNumber) |
Phone numbers for a consumer. |
Optional |
|
emailAddresses |
Email Addresses |
string <email> (emailAddress) ^.+@.+\..+$ |
Email addresses for a consumer. |
Optional |
|
nameAddresses |
Name and Physical Address |
array |
Name and Physical Address combinations for a consumer. |
Optional |
|
nameAddresses.fullName |
Full Name |
string |
Full name for a consumer. |
Optional |
|
nameAddresses.address |
Address |
object |
Optional |
|
|
nameAddresses.address.line1 |
Address Line 1 |
string ^[\w-]{0,256}$ |
First line of the street address. |
Optional |
|
nameAddresses.address.line2 |
Address Line 2 |
string ^[\w-]{0,256}$ |
Second line of the street address. |
Optional |
|
nameAddresses.address.city |
City |
string ^[\w-]{0,256}$ |
City of the street address. |
Optional |
|
nameAddresses.address.region |
Region |
string ^[\w-]{0,256}$ |
State, Province, or Region of the street address. |
Optional |
|
nameAddresses.address.postalCode |
Postal Code |
string ^[\w-]{0,20}$ |
Postal code of the street address. |
Optional |
|
nameAddresses.address.plus4 |
Plus 4 |
string ^[\w-]{0,4}$ |
Last 4 digits of the full 9 digit US postal code of the street address. |
Optional |
|
nameAddresses.address.countryCode |
Country Code |
string ^[A-Z]{0,2}$ |
The country code of the street address using the ISO 3166-1 standard. Using this standard with alpha-2 or alpha-3 is permitted. |
Optional |
|
payments |
Payments |
object |
Optional |
|
|
payments.type |
Payment Type |
string ^[A-Z_]{1,12}$ |
|
Optional |
|
payments.token |
Payment Token |
string ^[\w-]{0,64}$ |
Payment token submitted by merchant for order (credit card, payer ID, routing/transit, MIC`R, and account number). Hashed with salted SHA256. If payment.type is set to None, the payment token value should also be left empty. Post-auth only: If the credit card information is not available and a tokenized value is returned from the payment processor, set |
Optional |
For additional support, review the API help documentation. Expand each section to review the responses available and associated fields.
sidebar. JSON Payload Example
Request:
{
"clientId":"{{CLIENT_ID}}",
"emailAddresses":[
"john.doe@kount.com"
],
"nameAddresses":[
{
"fullName":"John Doe",
"address":{
"line1":"1005 W Main St",
"city":"Boise",
"region":"Idaho",
"postalCode":"83702",
"countryCode":"US"
}
}
],
"phoneNumbers":[
"2088675309"
],
"payments": [
{
"type": "CARD",
"token": "18FB243D592080466E71AC51C4F4DE93041DFEA4800DE05FCC3CA0E29F45A63E"
}
],
"deviceIds": ["0123456789ABCDEF0000000000000000"],
"useCase":"fraudInsights,walletInsights,payerInsights,inputValidation"
}
Response:
{
"bestMatchedIdentity": {
"fraudInsights": {
"scores": {
"maxOmniscore": 89.1,
"meanOmniscore": 79.225,
"minOmniscore": 54.8,
"identityStructureScore": {
"structureScore": 85.5,
"reasonCodes": []
},
"identityFraudScore": 0.4,
"identityTrustworthinessScore": 99.9,
"identityReasonCodes": [
"LS05",
"US02"
]
},
"attributes": {
"chargebacks": 0,
"chargebackRatio": 0,
"occurrenceMostCommonPaymentType": 19,
"refunds": 0,
"refundRatio": 0,
"declineAuthRatio": 0,
"declinesAuth": 0,
"declinesNonAuth": 0,
"declineNonAuthRatio": 0,
"occurrence": 24,
"occurrence30Days": 0,
"dateFirstSeen": "1334352061",
"dateLastSeen": "1650475877",
"distinctMonths": 19,
"distinctPaymentTypes": 4,
"distinctBillAddresses": 5,
"distinctBillCities": 2,
"distinctBillCountryCodes": 2,
"distinctBillEmails": 5,
"distinctBillNames": 6,
"distinctBillPhones": 3,
"distinctBillPostalCodes": 5,
"distinctBillStates": 2,
"distinctBins": 4,
"distinctCurrencies": 1,
"distinctDates": 20,
"distinctDays": 6,
"distinctIpAddresses": 9,
"distinctLatLons": 5,
"distinctMerchantIds": 12,
"distinctPaymentTokens": 4,
"distinctQuarters": 16,
"distinctShipAddresses": 8,
"distinctShipCities": 2,
"distinctShipCountryCodes": 2,
"distinctShipEmails": 3,
"distinctShipNames": 3,
"distinctShipPhones": 4,
"distinctShipPostalCodes": 6,
"distinctShipStates": 2,
"distinctWeeks": 20,
"distinctYears": 9,
"occurrenceMostCommonBillAddress": 12,
"occurrenceMostCommonBillName": 7,
"occurrenceMostCommonBillEmail": 17,
"occurrenceMostCommonBillPhone": 6,
"occurrenceMostCommonBillCity": 19,
"occurrenceMostCommonBillCountryCode": 20,
"occurrenceMostCommonBillPostalCode": 14,
"occurrenceMostCommonBillState": 5,
"occurrenceMostCommonBin": 10,
"occurrenceMostCommonCurrency": 24,
"occurrenceMostCommonIpAddress": 16,
"occurrenceMostCommonLatLon": 2,
"occurrenceMostCommonMerchantId": 8,
"occurrenceMostCommonPaymentToken": 10,
"occurrenceMostCommonShipAddress": 3,
"occurrenceMostCommonShipCity": 12,
"occurrenceMostCommonShipCountryCode": 11,
"occurrenceMostCommonShipEmail": 1,
"occurrenceMostCommonShipName": 9,
"occurrenceMostCommonShipPhone": 3,
"occurrenceMostCommonShipPostalCode": 4,
"occurrenceMostCommonShipState": 6,
"daysSinceFirstSeen": 4945,
"daysSinceLastSeen": 1286,
"occurrenceWeekday": 23,
"occurrenceWeekend": 1,
"proportionWeekday": 0.95833,
"proportionWeekend": 0.04167
}
},
"payerInsights": {
"scores": {
"identityConsistencyScore": 0.775,
"identityUsageScore": 0.90237,
"identityRecurrenceScore": 0.99821
},
"attributes": {
"totalDollarAmount": 2036.94,
"meanMeanCostOfUniqueItemsInCart": 79.37125,
"meanMeanItemCostOfCart": 79.37125,
"meanCartSize": 3.427,
"meanDollarAmount": 84.8725,
"meanStdevCostOfUniqueItemsInCart": 0.5491666667,
"meanStdevItemCostOfCart": 0.5491666667,
"meanUniqueItemsInCart": 1.083333,
"fewestUniqueItemsInCart": 1,
"largestMeanCostOfUniqueItemsInCart": 649.99,
"largestMeanItemCostOfCart": 649.99,
"largestCartSize": 2,
"largestStdevCostOfUniqueItemsInCart": 6.59,
"largestStdevItemCostOfCart": 6.59,
"leastExpensiveItemBoughtCost": 0,
"maxDollarAmount": 688.99,
"minDollarAmount": 0,
"mostCommonCartSize": 2,
"mostCommonCurrency": "USD",
"distinctDollarAmounts": 16,
"occurrenceMostCommonDollarAmount": 5,
"mostCommonDollarAmount": 37.39,
"mostCommonUniqueItemsInCart": 1,
"mostExpensiveItemBoughtCost": 649.99,
"mostUniqueItemsInCart": 2,
"smallestMeanCostOfUniqueItemsInCart": 0,
"smallestMeanItemCostOfCart": 0,
"smallestCartSize": 1,
"smallestStdevCostOfUniqueItemsInCart": 0,
"smallestStdevItemCostOfCart": 0
}
},
"walletInsights": {
"financialDurabilityIndex": {
"value": 543
},
"affluenceIndex": {
"value": 654
},
"spendingPower": {
"value": 123456
},
"economicCohorts": {
"value": "D27"
},
"income360": {
"value": 234567
}
}
},
"inputValidation": {
"summary": {
"numIdentities": 1,
"numValidatedKeys": 5,
"numPrimaryKeys": 4
},
"emailAddresses": [
{
"input": "john.doe@kount.com",
"standardized": "JOHN.DOE@KOUNT.COM",
"matchedIdentity": 1,
"validated": true,
"primary": false
}
],
"phoneNumbers": [
{
"input": "2088675309",
"standardized": "+12088675309",
"matchedIdentity": 1,
"validated": true,
"primary": true
}
],
"addresses": [
{
"input": {
"line1": "1005 W Main St",
"line2": "",
"city": "Boise",
"region": "Idaho",
"postalCode": "83702",
"plus4": "",
"countryCode": "US"
},
"standardized": {
"line1": "1005 W MAIN ST",
"line2": "",
"city": "BOISE",
"region": "IDAHO",
"postalCode": "83702",
"plus4": "0005",
"countryCode": "US"
},
"matchedIdentity": 1,
"validated": true,
"primary": true
}
],
"names": [
{
"input": "John Doe",
"standardized": "JOHN DOE",
"matchedIdentity": 1,
"validated": true,
"primary": true
}
],
"payments": [
{
"input": {
"type": "CARD",
"token": "18FB243D592080466E71AC51C4F4DE93041DFEA4800DE05FCC3CA0E29F45A63E"
},
"standardized": {
"type": "CARD",
"token": "18FB243D592080466E71AC51C4F4DE93041DFEA4800DE05FCC3CA0E29F45A63E"
},
"matchedIdentity": 1,
"validated": true,
"primary": true
}
],
"deviceIds": [
{
"input": "0123456789ABCDEF0000000000000000",
"standardized": "0123456789ABCDEF0000000000000000",
"validated": false
}
]
}
}
Use this article to understand the 200 OK responses in Consumer Insights.
Note
This article applies to version 2.0 of the Consumer Insights API.
To view the API swagger file, go to api.kount.com/identity/v2/help#operation/IdentityInsightsOrchestrator_Evaluate.
sidebar. Consumer Insights response properties table
|
JSON Path |
Type |
Parameter |
Description |
Example |
|
bestMatchedIdentity |
object |
The consumer insights payload for the best matched identity from the input data. These attributes correspond to the inputValidation fields with identity "1". |
||
|
bestMatchedIdentity.fraudInsights |
object |
The attributes and scores corresponding to the consumer's e-commerce fraud propensity. |
||
|
bestMatchedIdentity.fraudInsights.scores |
object |
The scores corresponding to the consumer's e-commerce fraud propensity. |
||
|
bestMatchedIdentity.fraudInsights.scores.maxOmniscore |
number |
The maximum Omniscore over all transactions associated with the consumer. |
|
|
|
bestMatchedIdentity.fraudInsights.scores.meanOmniscore |
number |
The mean Omniscore over all transactions associated with the consumer. |
|
|
|
bestMatchedIdentity.fraudInsights.scores.minOmniscore |
number |
The minimum Omniscore over all transactions associated with the consumer. |
|
|
|
bestMatchedIdentity.fraudInsights.scores.identityStructureScore |
object |
The Structure Score is a measure of the topological shape of an identity based on the number of transactions, identity keys, and general connectivity. |
||
|
bestMatchedIdentity.fraudInsights.scores.identityStructureScore.structureScore |
number |
The Structure Score is a measure of the topological shape of an identity based on the number of transactions, identity keys, and general connectivity. |
|
|
|
bestMatchedIdentity.fraudInsights.scores.identityStructureScore.reasonCodes |
array |
The reason codes that correspond to the structure score that were raised for this consumer. SS01 -The number of distinct identity keys associated with this identity is unusual SS02 -The number of transactions associated with this identity is unusual SS03 -The number of identity key types associated with this identity is insufficient SS04 -There is limited data for this identity in the Consumer Insights Network |
|
|
|
bestMatchedIdentity.fraudInsights.scores.identityFraudScore |
number |
The Fraud Score is a measure of how closely the identity is linked to Card-Not-Present fraud in the network, including chargebacks, fraudulent refunds, fraud agent review and business policy declines, and fraudulent bank authorization declines. |
|
|
|
bestMatchedIdentity.fraudInsights.scores.identityTrustworthinessScore |
number |
A combination of the fraud, structure, and usage to measure the overall trustworthiness of the consumer. |
|
|
|
bestMatchedIdentity.fraudInsights.scores.identityReasonCodes |
array |
The reason codes that correspond to the scores that were raised for this consumer. SS01 -The number of distinct identity keys associated with this identity is unusual SS02 -The number of transactions associated with this identity is unusual SS03 -The number of identity key types associated with this identity is insufficient SS04 -There is limited data for this identity in Kount’s Identity Trust Global Network US01 -The consumer has not been seen within Kount's Identity Trust Global Network before this transaction US02 -The consumer has not been seen within Kount's Identity Trust Global Network for a long time US03 -The consumer is unlikely to be seen again within Kount's Identity Trust Global Network US04 -The consumer exhibits sporadic behaviour historically within Kount's Identity Trust Global Network US05 -The consumer has not been seen frequently within Kount's Identity Trust Global Network LS01 -The length of the email address and/or username portion falls outside of the expected norms LS02 -The domain is outside Kount's verified domain list LS03 -The character sequence of the email username falls outside expected norms LS04 -The composition of characters within the email username falls outside of expected norms LS05 -The proportion of characters from single rows of a standard QWERTY keyboard falls outside of expected norms FS01 -The consumer is identified as being high risk for charging back online transactions FS02 -The consumer is identified as being medium risk for charging back online transactions FS03 -The consumer is identified as being high risk for refunding online transactions FS04 -The consumer is identified as being medium risk for refunding online transactions FS05 -The consumer is identified as being high risk for being declined by an expert fraud agent following review of its online transactions FS06 -The consumer is identified as being medium risk for being declined by an expert fraud agent following review of its online transactions FS07 -The consumer is identified as being high risk for being declined due to contravening business policies in online transactions FS08 -The consumer is identified as being medium risk for being declined due to contravening business policies in online transactions FS09 -The consumer is identified as being high risk for being declined by the bank in online transactions FS10 -The consumer is identified as being medium risk for being declined by the bank in online transactions FS11 -The consumer is identified as having a large number of transactions that score as very risky in Kount Command’s Machine Learning and Artificial Intelligence |
|
|
|
bestMatchedIdentity.fraudInsights.attributes |
object |
The attributes corresponding to the consumer's e-commerce fraud propensity. |
||
|
bestMatchedIdentity.fraudInsights.attributes.chargebacks |
integer |
<int32> |
The number of chargebacks for transactions associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.chargebackRatio |
number |
The proportion of the total transactions associated with the consumer that resulted in chargebacks. |
|
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonPaymentType |
integer |
<int32> |
The number of transactions associated with the consumer that had a payment type identical to the 'most common payment type' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.refunds |
integer |
<int32>
|
The number of refunds for transactions associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.refundRatio |
number |
The proportion of total transactions associated with the consumer that resulted in refunds. |
|
|
|
bestMatchedIdentity.fraudInsights.attributes.declineAuthRatio |
number |
The proportion of total transactions associated with the consumer that resulted in payment token authentication declines. |
|
|
|
bestMatchedIdentity.fraudInsights.attributes.declinesAuth |
integer |
<int32> |
The number of payment token authentication declines from the bank for transactions associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.declinesNonAuth |
integer |
<int32> |
The number of non-payment token authentication declines, such as agent or rule declines, for transactions associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.declineNonAuthRatio |
number |
The proportion of transactions associated with the consumer that resulted in non-payment token authentication declines, such as agent or rule declines. |
|
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrence |
integer |
<int32> |
The number of transactions associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrence30Days |
integer |
<int32> |
The number transactions associated with the consumer in the 30 days preceding the latest transaction. |
|
|
bestMatchedIdentity.fraudInsights.attributes.dateFirstSeen |
integer |
<int64> |
The ISO 8601 timestamp of the first transaction for the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.dateLastSeen |
integer |
<int64> |
The ISO 8601 timestamp of the latest transaction for the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctMonths |
integer |
<int32> |
The number of distinct months (12 possible options each year) for transactions associated with this consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctPaymentTypes |
integer |
<int32> |
The number of distinct payment types associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctBillAddresses |
integer |
<int32> |
The number of distinct billing addresses associated with the consumer. Only references line 1 of the billing address. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctBillCities |
integer |
<int32> |
The number of distinct billing cities associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctBillCountryCodes |
integer |
<int32> |
The number of distinct billing country codes associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctBillEmails |
integer |
<int32> |
The number of distinct billing email addresses associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctBillNames |
integer |
<int32> |
The number of distinct billing names associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctBillPhones |
integer |
<int32> |
The number of distinct billing phone numbers associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctBillPostalCodes |
integer |
<int32> |
The number of distinct billing postal codes associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctBillStates |
integer |
<int32> |
The number of distinct billing states associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctBins |
integer |
<int32> |
The number of distinct bank identification numbers associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctCurrencies |
integer |
<int32> |
The number of distinct payment currencies associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctDates |
integer |
<int32> |
The number of distinct dates (365 possible options each year) when a transaction associated with the consumer occurred. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctDays |
integer |
<int32> |
The number of distinct days of the week (7 possible options) when a transaction associated with the consumer occurred. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctIpAddresses |
integer |
<int32> |
The number of IP addresses associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctLatLons |
integer |
<int32> |
The number of distinct latitude and longitude pairs for the device associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctMerchantIds |
integer |
<int32> |
The number of distinct merchant IDs associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctPaymentTokens |
integer |
<int32> |
The number of distinct payment tokens associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctQuarters |
integer |
<int32> |
The number of distinct quarters of the year (4 possible options) when a transaction associated with the consumer occurred. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctShipAddresses |
integer |
<int32> |
The number of distinct shipping addresses associated with the consumer. Only references line 1 of the shipping address. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctShipCities |
integer |
<int32> |
The number of distinct shipping cities associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctShipCountryCodes |
integer |
<int32> |
Then number of distinct shipping country codes associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctShipEmails |
integer |
<int32> |
The number of distinct shipping email addresses associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctShipNames |
integer |
<int32> |
The number of distinct shipping names associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctShipPhones |
integer |
<int32> |
The number of distinct shipping phone numbers associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctShipPostalCodes |
integer |
<int32> |
The number of distinct shipping postal codes associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctShipStates |
integer |
<int32> |
The number of distinct shipping states associated with the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctWeeks |
integer |
<int32> |
The number of distinct weeks (52 possible options each year) when a transaction associated with the consumer occurred. |
|
|
bestMatchedIdentity.fraudInsights.attributes.distinctYears |
integer |
<int32> |
Then number of distinct years when a transaction associated with the consumer occurred. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonBillAddress |
integer |
<int32> |
The number of transactions associated with the consumer where a billing address (line 1) the same as the 'most common billing address (line 1)' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonBillName |
integer |
<int32> |
The number of transactions associated with the consumer where a billing name the same as the 'most common billing name' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonBillEmail |
integer |
<int32> |
The number of transactions associated with the consumer where a billing email address the same as the 'most common billing email address' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonBillPhone |
integer |
<int32> |
The number of transactions associated with the consumer where a billing phone the same as the 'most common billing phone' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonBillCity |
integer |
<int32> |
The number of transactions associated with the consumer where a billing city the same as the 'most common billing city' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonBillCountryCode |
integer |
<int32> |
The number of transactions associated with the consumer where a country code the same as the 'most common country code' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonBillPostalCode |
integer |
<int32> |
The number of transactions associated with the consumer where a billing postal code the same as the 'most common billing postal code' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonBillState |
integer |
<int32> |
The number of transactions associated with the consumer where a billing state the same as the 'most common billing state' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonBin |
integer |
<int32> |
The number of transactions associated with the consumer where a bank identification number the same as the 'most common bank identification number' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonCurrency |
integer |
<int32> |
The number of transactions associated with the consumer where a currency the same as the 'most common currency' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonIpAddress |
integer |
<int32> |
The number of transactions associated with the consumer where an IP address the same as the 'most common IP address' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonLatLon |
integer |
<int32> |
The number of transactions associated with the consumer where a device latitude and longitude that was the same as the 'most common device latitude and longitude' was seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonMerchantId |
integer |
<int32> |
The number of transactions associated with the consumer for a merchant ID the same as the 'most common merchant' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonPaymentToken |
integer |
<int32> |
The number of transactions associated with the consumer with a payment token the same as the 'most common payment token' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonShipAddress |
integer |
<int32> |
The number of transactions associated with the consumer with a shipping address (line 1) the same as the 'most common shipping address (line 1)' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonShipCity |
integer |
<int32> |
The number of transactions associated with the consumer with a shipping city the same as the 'most common shipping city' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonShipCountryCode |
integer |
<int32> |
The number of transactions associated with the consumer with a country code the same as the 'most common country code' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonShipEmail |
integer |
<int32> |
The number of transactions associated with the consumer with a shipping email address the same as the 'most common shipping email address' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonShipName |
integer |
<int32> |
The number of transactions associated with the consumer with a shipping name the same as the 'most common shipping name' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonShipPhone |
integer |
<int32> |
The number of transactions associated with the consumer with a shipping phone number the same as the 'most common shipping phone number' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonShipPostalCode |
integer |
<int32> |
The number of transactions associated with the consumer with a shipping postal code the same as the 'most common shipping postal code' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceMostCommonShipState |
integer |
<int32> |
The number of transactions associated with the consumer with a shipping state the same as the 'most common shipping state' seen across all transactions. |
|
|
bestMatchedIdentity.fraudInsights.attributes.daysSinceFirstSeen |
integer |
<int32> |
The number of days that have elapsed since the first transaction was seen from the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.daysSinceLastSeen |
integer |
<int32> |
The number of days that have elapsed since the latest transaction was seen from the consumer. |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceWeekday |
integer |
<int32> |
The number of transactions associated with the consumer that occurred during a weekday (Monday - Friday inclusive). |
|
|
bestMatchedIdentity.fraudInsights.attributes.occurrenceWeekend |
integer |
<int32> |
The number of transactions associated with the consumer that occurred during the weekend (Saturday, Sunday). |
|
|
bestMatchedIdentity.fraudInsights.attributes.proportionWeekday |
number |
The proportion of the total transactions associated with the consumer that occurred during a weekday (Monday - Friday inclusive). |
|
|
|
bestMatchedIdentity.fraudInsights.attributes.proportionWeekend |
number |
The proportion of the total transactions associated with the consumer that occurred during the weekend (Saturday, Sunday). |
|
|
|
bestMatchedIdentity.payerInsights |
object |
The attributes and scores corresponding to the consumer's cohort e-commerce purchasing and spending habits. |
||
|
bestMatchedIdentity.payerInsights.scores |
object |
The scores corresponding to the consumer's cohort e-commerce purchasing and spending habits. |
||
|
bestMatchedIdentity.payerInsights.scores.identityConsistencyScore |
number |
The regularity that the consumer is seen somewhere within Kount's network. A higher value is more regular and a lower value is more sporadic. |
|
|
|
bestMatchedIdentity.payerInsights.scores.identityUsageScore |
number |
The Usage Score for the consumer. |
|
|
|
bestMatchedIdentity.payerInsights.scores.identityRecurrenceScore |
number |
The likelihood that the consumer will return to perform another transaction in the future. A higher value is more likely to return and a lower value is less likely to return. |
|
|
|
bestMatchedIdentity.payerInsights.attributes |
object |
The scores corresponding to the consumer's cohort e-commerce purchasing and spending habits. |
||
|
bestMatchedIdentity.payerInsights.attributes.totalDollarAmount |
number |
The total dollar amount of all transactions ever seen from the email. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.meanMeanCostOfUniqueItemsInCart |
number |
The calculation of the average cost of the cart for each transaction associated with the consumer, considering only the unique items in the cart. For example, pretending the quantity of all line items is 1. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.meanMeanItemCostOfCart |
number |
The calculation of the average cost of the cart for each transaction associated with the consumer when considering all items in the cart. For example, taking a quantity of two for the same line item as two distinct items. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.meanCartSize |
number |
The average number of line items in the cart across all transactions associated with the consumer when the quantity is conserved. For example, a line item with a quantity of two is treated as two total items. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.meanDollarAmount |
number |
The average dollar amount of all transactions ever seen from the consumer. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.meanStdevCostOfUniqueItemsInCart |
number |
The calculation of the standard deviation of the cost the cart for each transaction associated with the consumer that considers only the unique items in the cart. For example, pretending the quantity of all line items is 1. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.meanStdevItemCostOfCart |
number |
The calculation of the standard deviation of the cost the cart for each transaction associated with the consumer that considers all items in the cart. For example, quantity of two for the same line item as two distinct items. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.meanUniqueItemsInCart |
number |
The calculation of the average number of items in the cart for each transaction associated with the consumer that considers only the unique items in the cart. For example, pretending the quantity of all line items is 1. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.fewestUniqueItemsInCart |
integer |
<int32> |
The smallest number of unique items seen in a single cart from all transactions associated with the consumer. |
|
|
bestMatchedIdentity.payerInsights.attributes.largestMeanCostOfUniqueItemsInCart |
number |
The largest value when calculating the average cost of the cart for each transaction associated with the consumer that only considers the unique items in the cart. For example, pretending the quantity of all line items is 1. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.largestMeanItemCostOfCart |
number |
The largest value when calculating the average cost of the cart for each transaction associated with the consumer when considering all items in the cart. For example, taking a quantity of two for the same line item as two distinct items. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.largestCartSize |
integer |
<int32> |
The largest number of items in the cart across all transactions associated with the consumer where quantity is conserved. For example, a line item with a quantity of two is treated as two total items. |
|
|
bestMatchedIdentity.payerInsights.attributes.largestStdevCostOfUniqueItemsInCart |
number |
The largest value when calculating the standard deviation of the cost the cart for each transaction associated with the consumer, considering only the unique items in the cart. For example, pretending the quantity of all line items is 1. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.largestStdevItemCostOfCart |
number |
The largest value when calculating the standard deviation of the cost the cart for each transaction associated with the consumer, considering all items in the cart. For example, taking a quantity of two for the same line item as two distinct items. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.leastExpensiveItemBoughtCost |
number |
The price of the least expensive item bought from this consumer. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.maxDollarAmount |
number |
The maximum dollar amount of all transactions seen from the consumer. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.minDollarAmount |
number |
The minimum dollar amount of all transactions seen from the consumer. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.mostCommonCartSize |
integer |
<int32> |
The most common cart size seen across all transactions associated with the consumer. |
|
|
bestMatchedIdentity.payerInsights.attributes.mostCommonCurrency |
string |
The most common payment currency seen across all transactions associated with the consumer. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.distinctDollarAmounts |
integer |
<int32> |
The number of distinct dollar amounts associated with the consumer. |
|
|
bestMatchedIdentity.payerInsights.attributes.occurrenceMostCommonDollarAmount |
integer |
<int32> |
The number of transactions associated with the consumer that cost the same as the 'most common dollar amount' seen across all transactions. |
|
|
bestMatchedIdentity.payerInsights.attributes.mostCommonDollarAmount |
number |
The most common dollar amount seen across all transactions associated with the consumer. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.mostCommonUniqueItemsInCart |
integer |
<int32> |
The most common number of unique items seen in a single cart from all transactions associated with the consumer. |
|
|
bestMatchedIdentity.payerInsights.attributes.mostExpensiveItemBoughtCost |
number |
The price of the most expensive item bought from the consumer. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.mostUniqueItemsInCart |
integer |
<int32> |
The largest number of unique items seen in a single cart from all transactions associated with the consumer. |
|
|
bestMatchedIdentity.payerInsights.attributes.smallestMeanCostOfUniqueItemsInCart |
number |
The smallest value when calculating the average cost of the cart for each transaction associated with the consumer, considering only the unique items in the cart. For example, pretending the quantity of all line items is 1. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.smallestMeanItemCostOfCart |
number |
The smallest value when calculating the average cost of the cart for each transaction associated with the consumer, considering all items in the cart. For example, taking a quantity of two for the same line item as two distinct items. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.smallestCartSize |
integer |
<int32> |
The smallest number of items in the cart across all transactions associated with the consumer where quantity is conserved. For example, a line item with a quantity of two will be treated as two total items. |
|
|
bestMatchedIdentity.payerInsights.attributes.smallestStdevCostOfUniqueItemsInCart |
number |
The smallest value when calculating the standard deviation of the cost of the cart for each transaction associated with the consumer, considering only the unique items in the cart. For example, pretending the quantity of all line items is 1. |
|
|
|
bestMatchedIdentity.payerInsights.attributes.smallestStdevItemCostOfCart |
number |
The smallest value when calculating the standard deviation of the cost of the cart for each transaction associated with the consumer, considering all items in the cart. For example, taking a quantity of two for the same line item as two distinct items. |
|
|
|
bestMatchedIdentity.walletInsights |
object |
The attributes corresponding to the Consumer's wealth and cohort information. |
||
|
bestMatchedIdentity.walletInsights.financialDurabilityIndex |
object |
Financial Durability Index provides a holistic view of households' likely financial resilience, even under financial stress. |
||
|
bestMatchedIdentity.walletInsights.financialDurabilityIndex.value |
integer |
<int32> |
The numerical value for the financialDurabilityIndex attribute. |
|
|
bestMatchedIdentity.walletInsights.affluenceIndex |
object |
Affluence Index is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power. |
||
|
bestMatchedIdentity.walletInsights.affluenceIndex.value |
integer |
<int32> |
The numerical value for the affluenceIndex attribute. |
|
|
bestMatchedIdentity.walletInsights.spendingPower |
object |
Spending Power is an estimate of a household’s financial capacity. It is based on consumer spending capacity, total income (including income from wages and assets), and household demographics. |
||
|
bestMatchedIdentity.walletInsights.spendingPower.value |
integer |
<int32> |
The numerical value for the spendingPower attribute. |
|
|
bestMatchedIdentity.walletInsights.economicCohorts |
object |
Economic Cohorts provides vital visibility into household economics. |
||
|
bestMatchedIdentity.walletInsights.economicCohorts.value |
string |
The alphanumerical value for the economicCohorts attribute. |
|
|
|
bestMatchedIdentity.walletInsights.income360 |
object |
Continuous household-based dollar estimate of income uncapped up to $2 million. Includes both estimated income from wages and investments and estimated income from businesses and retirement funds. |
||
|
bestMatchedIdentity.walletInsights.income360.value |
integer |
<int32> |
The numerical value for the income360 attribute. |
|
|
inputValidation |
object |
Validation against the provided inputs. |
||
|
inputValidation.summary |
object |
The high-level summary of the input validation payload. |
||
|
inputValidation.summary.numIdentities |
integer |
<int32> |
The number of identities matched from the input data. |
|
|
inputValidation.summary.numValidatedKeys |
integer |
<int32> |
The number of input keys which have been seen in the Consumer Insights network. |
|
|
inputValidation.summary.numPrimaryKeys |
integer |
<int32> |
The number of input keys which have been identified as the primary identity key for that consumer. |
|
|
inputValidation.emailAddresses |
array |
The input validation data for the input email addresses. |
||
|
inputValidation.emailAddresses.input |
string |
The provided input key from the request. |
|
|
|
inputValidation.emailAddresses.standardized |
string |
The provided input key after standardization and canonicalization. |
|
|
|
inputValidation.emailAddresses.matchedIdentity |
integer |
<int32> |
The identity which this key was matched to. |
|
|
inputValidation.emailAddresses.validated |
boolean |
Whether the input key has been seen in the Consumer Insights network. |
|
|
|
inputValidation.emailAddresses.primary |
boolean |
Whether the input key is identified as being the Consumer's primary identity key. |
|
|
|
inputValidation.phoneNumbers |
array |
The input validation data for the input phone numbers. |
||
|
inputValidation.phoneNumbers.input |
string |
The provided input key from the request. |
|
|
|
inputValidation.phoneNumbers.standardized |
string |
The provided input key after standardization and canonicalization. |
|
|
|
inputValidation.phoneNumbers.matchedIdentity |
integer |
The identity which this key was matched to. |
|
|
|
inputValidation.phoneNumbers.validated |
boolean |
Whether the input key has been seen in the Consumer Insights network. |
|
|
|
inputValidation.phoneNumbers.primary |
boolean |
Whether the input key is identified as being the Consumer's primary identity key. |
|
|
|
inputValidation.addresses |
array |
The input validation data for the input physical addresses. |
||
|
inputValidation.addresses.input |
object |
The provided input key from the request. |
||
|
inputValidation.addresses.input.line1 |
string |
^[\w-]{0,256}$ |
First line of the street address. |
|
|
inputValidation.addresses.input.line2 |
string |
^[\w-]{0,256}$ |
Second line of the street address. |
|
|
inputValidation.addresses.input.city |
string |
^[\w-]{0,256}$ |
City of the street address. |
|
|
inputValidation.addresses.input.region |
string |
^[\w-]{0,256}$ |
State, province, or region of the street address. |
|
|
inputValidation.addresses.input.postalCode |
string |
^[\w-]{0,20}$ |
Postal code of the street address. |
|
|
inputValidation.addresses.input.plus4 |
string |
^[\w-]{0,4}$ |
Last four digits of the full nine-digit US postal code of the street address. |
|
|
inputValidation.addresses.input.countryCode |
string |
^[A-Z]{0,3}$ |
The country code of the street address using the ISO 3166-1 standard. Using this standard with alpha-2 or alpha-3 is permitted. |
|
|
inputValidation.addresses.standardized |
object |
The provided input key after standardization and canonicalization. |
||
|
inputValidation.addresses.standardized.line1 |
string |
^[\w-]{0,256}$ |
First line of the street address. |
|
|
inputValidation.addresses.standardized.line2 |
string |
^[\w-]{0,256}$ |
Second line of the street address. |
|
|
inputValidation.addresses.standardized.city |
string |
^[\w-]{0,256}$ |
City of the street address. |
|
|
inputValidation.addresses.standardized.region |
string |
^[\w-]{0,256}$ |
State, province, or region of the street address. |
|
|
inputValidation.addresses.standardized.postalCode |
string |
^[\w-]{0,20}$ |
Postal code of the street address. |
|
|
inputValidation.addresses.standardized.plus4 |
string |
^[\w-]{0,4}$ |
Last 4 digits of the full 9 digit US postal code of the street address. |
|
|
inputValidation.addresses.standardized.countryCode |
string |
^[A-Z]{0,3}$ |
The country code of the street address using the ISO 3166-1 standard. Using this standard with alpha-2 or alpha-3 is permitted. |
|
|
inputValidation.addresses.matchedIdentity |
integer |
<int32> |
The identity which this key was matched to. |
|
|
inputValidation.addresses.validated |
boolean |
Whether the input key has been seen in the Consumer Insights network. |
|
|
|
inputValidation.addresses.primary |
boolean |
Whether the input key is identified as being the Consumer's primary identity key. |
|
|
|
inputValidation.names |
array |
The input validation data for the input names. |
||
|
inputValidation.names.input |
string |
The provided input key from the request. |
|
|
|
inputValidation.names.standardized |
string |
The provided input key after standardization and canonicalization. |
|
|
|
inputValidation.names.matchedIdentity |
integer |
<int32> |
The identity which this key was matched to. |
|
|
inputValidation.names.validated |
boolean |
Whether the input key has been seen in the Consumer Insights network. |
|
|
|
inputValidation.names.primary |
boolean |
Whether the input key is identified as being the Consumer's primary identity key. |
|
|
|
inputValidation.payments |
array |
The input validation data for the input payments. |
||
|
inputValidation.payments.input |
object |
The provided input key from the request. |
||
|
inputValidation.payments.input.type |
string |
^[A-Z_]{1,12}$ |
Payment Type submitted by merchant: APAY - Apple Pay CARD - Credit Card PYPL - PayPal CHEK - Check NONE - None TOKEN - Token provided from payment processor GDMP - Green Dot Money Pack GOOG - Google Pay BLML - Bill Me Later GIFT - Gift Card BPAY - BPAY NETELLER - Neteller GIROPAY - GiroPay ELV - ELV MERCADE_PAGO - Mercade Pago SEPA - Single Euro Payments Area INTERAC - Interac CARTE_BLEUE - Carte Bleue POLI - POLi SKRILL - Skrill/Moneybookers SOFORT - Sofort AMZN - Amazon Pay SAMPAY - Samsung Pay ALIPAY - AliPay WCPAY - WeChat Pay CRYPTO - Crypto Payments KLARNA - Klarna AFTRPAY - Afterpay AFFIRM - Affirm SPLIT - Splitit FBPAY - Facebook Pay |
|
|
inputValidation.payments.input.token |
string |
^[\w-]{0,64}$ |
Payment token submitted by merchant for order (credit card, payer ID, routing/transit, MICR, and account number). Payment token is hashed with salted SHA256. If paymentType is set to None then the paymentToken value should be left empty (NULL). POST-AUTH ONLY - If the credit card information is not available and a tokenized value is returned from the payment processor set paymentType=TOKEN and send the token returned from processor in the paymentToken field. |
|
|
inputValidation.payments.standardizedobject |
object |
The provided input key after standardization and canonicalization. |
||
|
inputValidation.payments.standardized.type |
string |
^[A-Z_]{1,12}$ |
Payment Type submitted by merchant: APAY - Apple Pay CARD - Credit Card PYPL - PayPal CHEK - Check NONE - None TOKEN - Token provided from payment processor GDMP - Green Dot Money Pack GOOG - Google Pay BLML - Bill Me Later GIFT - Gift Card BPAY - BPAY NETELLER - Neteller GIROPAY - GiroPay ELV - ELV MERCADE_PAGO - Mercade Pago SEPA - Single Euro Payments Area INTERAC - Interac CARTE_BLEUE - Carte Bleue POLI - POLi SKRILL - Skrill/Moneybookers SOFORT - Sofort AMZN - Amazon Pay SAMPAY - Samsung Pay ALIPAY - AliPay WCPAY - WeChat Pay CRYPTO - Crypto Payments KLARNA - Klarna AFTRPAY - Afterpay AFFIRM - Affirm SPLIT - Splitit FBPAY - Facebook Pay |
|
|
inputValidation.payments.standardized.token |
string |
^[\w-]{0,64}$ |
Payment token submitted by merchant for order (credit card, payer ID, routing/transit, MICR, and account number). Payment token is hashed with salted SHA256. If paymentType is set to None then the paymentToken value should be left empty (NULL). POST-AUTH ONLY - If the credit card information is not available and a tokenized value is returned from the payment processor set paymentType=TOKEN and send the token returned from processor in the paymentToken field. |
|
|
inputValidation.payments.matchedIdentity |
integer |
<int32> |
The identity which this key was matched to. |
|
|
inputValidation.payments.validated |
boolean |
Whether the input key has been seen in the Consumer Insights network. |
|
|
|
inputValidation.payments.primary |
boolean |
Whether the input key is identified as being the Consumer's primary identity key. |
|
|
|
inputValidation.deviceIds |
array |
The input validation data for the input deviceIDs. |
||
|
inputValidation.deviceIds.input |
string |
The provided input key from the request. |
|
|
|
inputValidation.deviceIds.standardized |
string |
The provided input key after standardization and canonicalization. |
|
|
|
inputValidation.deviceIds.matchedIdentity |
integer |
<int32> |
The identity which this key was matched to. |
|
|
inputValidation.deviceIds.validated |
boolean |
Whether the input key has been seen in the Consumer Insights network. |
|
|
|
inputValidation.deviceIds.primary |
boolean |
Whether the input key is identified as being the Consumer's primary identity key. |
|
sidebar. Consumer Insights response example file
{
"bestMatchedIdentity": {
"fraudInsights": {
"scores": {
"maxOmniscore": 12,
"meanOmniscore": 6,
"minOmniscore": 1,
"identityStructureScore": {
"structureScore": 7,
"reasonCodes": [
"AB123"
]
},
"identityFraudScore": 7,
"identityTrustworthinessScore": 7,
"identityReasonCodes": [
"AB123"
]
},
"attributes": {
"chargebacks": 3,
"chargebackRatio": 2,
"occurrenceMostCommonPaymentType": 11,
"refunds": 6,
"refundRatio": 0.02,
"declineAuthRatio": 0.083333,
"declinesAuth": 1,
"declinesNonAuth": 1,
"declineNonAuthRatio": 0.083333,
"occurrence": 4,
"occurrence30Days": 3,
"dateFirstSeen": "2023-03-19T21:43:44.000Z",
"dateLastSeen": "2025-03-02T17:10:27.000Z",
"distinctMonths": 8,
"distinctPaymentTypes": 2,
"distinctBillAddresses": 1,
"distinctBillCities": 1,
"distinctBillCountryCodes": 1,
"distinctBillEmails": 1,
"distinctBillNames": 1,
"distinctBillPhones": 1,
"distinctBillPostalCodes": 1,
"distinctBillStates": 1,
"distinctBins": 1,
"distinctCurrencies": 1,
"distinctDates": 1,
"distinctDays": 1,
"distinctIpAddresses": 1,
"distinctLatLons": 1,
"distinctMerchantIds": 1,
"distinctPaymentTokens": 1,
"distinctQuarters": 1,
"distinctShipAddresses": 1,
"distinctShipCities": 1,
"distinctShipCountryCodes": 1,
"distinctShipEmails": 1,
"distinctShipNames": 1,
"distinctShipPhones": 1,
"distinctShipPostalCodes": 1,
"distinctShipStates": 1,
"distinctWeeks": 1,
"distinctYears": 1,
"occurrenceMostCommonBillAddress": 1,
"occurrenceMostCommonBillName": 1,
"occurrenceMostCommonBillEmail": 1,
"occurrenceMostCommonBillPhone": 1,
"occurrenceMostCommonBillCity": 1,
"occurrenceMostCommonBillCountryCode": 1,
"occurrenceMostCommonBillPostalCode": 1,
"occurrenceMostCommonBillState": 1,
"occurrenceMostCommonBin": 1,
"occurrenceMostCommonCurrency": 1,
"occurrenceMostCommonIpAddress": 1,
"occurrenceMostCommonLatLon": 1,
"occurrenceMostCommonMerchantId": 1,
"occurrenceMostCommonPaymentToken": 1,
"occurrenceMostCommonShipAddress": 1,
"occurrenceMostCommonShipCity": 1,
"occurrenceMostCommonShipCountryCode": 1,
"occurrenceMostCommonShipEmail": 1,
"occurrenceMostCommonShipName": 1,
"occurrenceMostCommonShipPhone": 1,
"occurrenceMostCommonShipPostalCode": 1,
"occurrenceMostCommonShipState": 1,
"daysSinceFirstSeen": 1,
"daysSinceLastSeen": 1,
"occurrenceWeekday": 1,
"occurrenceWeekend": 1,
"proportionWeekday": 1,
"proportionWeekend": 2
}
},
"payerInsights": {
"scores": {
"identityConsistencyScore": 1,
"identityUsageScore": 1,
"identityRecurrenceScore": 1
},
"attributes": {
"totalDollarAmount": 1,
"meanMeanCostOfUniqueItemsInCart": 1,
"meanMeanItemCostOfCart": 1,
"meanCartSize": 1,
"meanDollarAmount": 1,
"meanStdevCostOfUniqueItemsInCart": 1,
"meanStdevItemCostOfCart": 1,
"meanUniqueItemsInCart": 1,
"fewestUniqueItemsInCart": 1,
"largestMeanCostOfUniqueItemsInCart": 1,
"largestMeanItemCostOfCart": 1,
"largestCartSize": 1,
"largestStdevCostOfUniqueItemsInCart": 1,
"largestStdevItemCostOfCart": 1,
"leastExpensiveItemBoughtCost": 1,
"maxDollarAmount": 1,
"minDollarAmount": 1,
"mostCommonCartSize": 1,
"mostCommonCurrency": "24",
"distinctDollarAmounts": 1,
"occurrenceMostCommonDollarAmount": 1,
"mostCommonDollarAmount": 1,
"mostCommonUniqueItemsInCart": 1,
"mostExpensiveItemBoughtCost": 1,
"mostUniqueItemsInCart": 1,
"smallestMeanCostOfUniqueItemsInCart": 1,
"smallestMeanItemCostOfCart": 1,
"smallestCartSize": 1,
"smallestStdevCostOfUniqueItemsInCart": 1,
"smallestStdevItemCostOfCart": 1
}
},
"walletInsights": {
"financialDurabilityIndex": {
"value": 543
},
"affluenceIndex": {
"value": 654
},
"spendingPower": {
"value": 123456
},
"economicCohorts": {
"value": "D27"
},
"income360": {
"value": 234567
}
}
},
"inputValidation": {
"summary": {
"numIdentities": 1,
"numValidatedKeys": 5,
"numPrimaryKeys": 4
},
"emailAddresses": [
{
"input": "john.doe@kount.com",
"standardized": "JOHN.DOE@KOUNT.COM",
"matchedIdentity": 1,
"validated": true,
"primary": false
}
],
"phoneNumbers": [
{
"input": "2085555309",
"standardized": "+12085555309",
"matchedIdentity": 1,
"validated": true,
"primary": true
}
],
"addresses": [
{
"input": {
"line1": "105 Main St.",
"line2": "Suite 100",
"city": "Boise",
"region": "ID",
"postalCode": "83702",
"plus4": "1234",
"countryCode": "US"
},
"standardized": {
"line1": "105 Main St.",
"line2": "Suite 100",
"city": "Boise",
"region": "ID",
"postalCode": "83702",
"plus4": "1234",
"countryCode": "US"
},
"matchedIdentity": 1,
"validated": true,
"primary": true
}
],
"names": [
{
"input": "John Doe",
"standardized": "JOHN DOE",
"matchedIdentity": 1,
"validated": true,
"primary": true
}
],
"payments": [
{
"input": {
"type": "CARD",
"token": "18FB243D592080466E71AC51C4F4DE93041DFEA4800DE05FCC3CA0E29F45A63E"
},
"standardized": {
"type": "CARD",
"token": "18FB243D592080466E71AC51C4F4DE93041DFEA4800DE05FCC3CA0E29F45A63E"
},
"matchedIdentity": 1,
"validated": true,
"primary": true
}
],
"deviceIds": [
{
"input": "0123456789ABCDEF0000000000000000",
"standardized": "0123456789ABCDEF0000000000000000",
"matchedIdentity": 1,
"validated": true,
"primary": true
}
]
}
}